Create investment solutions that work with each of the 4 investor types

Improve ability to implement programs, through a case study review

SEM has partnered with Tolerisk to offer SEM Advisors a discount on their software. Unlike other risk tolerance tools, Tolerisk looks at both the WILLINGNESS & ABILITY to take risk in their portfolio. Most software tools completely ignore the ABILITY side, which is often far more important than the willingness to assume risk.

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In addition to this, the software allows you to provide a financial plan with key inputs from the client. The tool then illustrates how various changes such as working longer, spending less, or saving more can impact their ability to retire.

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Founded in 1992, SEM Wealth Management has built a platform for financial advisors that helps advisors and their clients overcome their behavioral biases. Through the use of Scientifically Engineered Models, SEM’s investment line-up offers a full spectrum of options including tactical, dynamic, and strategic portfolios to create customizable fully-diversified portfolios.

SEM’s platform leverages various technology integrations to assist advisors in efficiently on-boarding new clients and provides a strong back office support team to service the clients. In addition, SEM’s team provides full portfolio oversight, ensuring the portfolios meet the stated return & risk objectives set forth by the clients.

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Utilizing tools like Tolerisk is critical in providing true Scientifically Engineered Models that help clients overcome their personal behavioral biases.

This site is for INFORMATIONAL PURPOSES ONLY. Investing in the stock or bond markets involves risk and may not be suitable for all investors. Before making any investment decisions you should carefully consider your investment objectives, level of experience and risk appetite. The possibility exists you could sustain a loss of some or all of your initial investment and therefore you should not invest money you cannot afford to lose. You should be aware of all the risks associated with your investments and seek advice from an independent financial advisor if you have any doubts. All investments involve risk including those managed by SEM Wealth Management (SEM).

​Any opinions, news, research, analysis, prices or other information contained on this website, by SEM, its employees, partners or contributors, is provided as general market commentary and does not constitute investment advice. SEM will not accept liability for any loss or damage, including without limitation to, any loss of profit, which may arise directly or indirectly from use of or reliance on such information.

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The use of this website constitutes acceptance of our user agreement. Past performance is NOT indicative of future results.

There is no representation made as to the future results of SEM’s programs or if they will be profitable.

Our client's privacy is important to us. Under federal law all clients have a right to know what information is being collected about them and how that information will be used. SEM’s goal is to protect their privacy. To conduct regular business, we may collect nonpublic personal information from sources such as:

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• Information reported by clients or their advisors on applications or other forms provided to us by them

• Information about transactions with us, our affiliates, or others

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However, SEM does not share or disclose any nonpublic personal information about its current or former customers, except as permitted by law. All information will remain confidential.

Information Safeguarding
SEM will internally safeguard all nonpublic personal information by restricting access to only those employees who provide products or services to you or those who need access to client information to service your account. In addition, we will maintain physical, electronic and procedural safeguards that meet federal and/or state guidelines to guard any nonpublic personal information.

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This policy is provided in accordance with Title V of the Gramm-Leach-Bliley Act and Regulation S-P.